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I am currently a 3rd year at an AM100 law firm. I am looking to move to move to my home town which is a small midwest city. I have been in discussions with a law firm there and received an offer, but would now like to ask for $10,000 more. How do I got about that? One option I've considered is the firm would pay 82% of my insurance premium. My portion would be $124/month. I have excellent insurance through my husbands employer which is cheap so I wouldn't need their insurance coverage. What's your opinion on asking for $10,000 and mentioning to the firm that I wouldn't need their insurance coverage, which would make up for some of that?

Worth a shot! You'll find better advice about handling the actual negotiation elsewhere on the internet.

The health insurance might not be as big of a bargaining chip as it seems, since the budget for that stuff is probably pretty hard-coded. They assume some percentage of people won't actually use the coverage when they set the prices. And there'd be nothing to stop you from signing up for coverage next year-end.